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The New Adventures of Fortune

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  • Fortune_Smiles
    Fortune_Smiles Posts: 5,109 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    We both had a little wobble about the move this week. I discovered a lapsed planning application in the area which we thought could have a significant impact on us if a further application was made. Mr F started worrying about taking on more debt at his great age.

    So, we've conducted some further investigations on the planning side and are as confident as we can be about any future risk. We also crunched the numbers again and made some mortgage end forecasts based on different levels of OPing. We're both happy to proceed now :)

    All paperwork on the sale and the purchase have been completed except for one final certificate which we're having done this afternoon.

    Mr F paid a visit to the new house on his way home from a business trip. Our Vendor doesn't want to move until July and Mr F is away for the first two weeks of that month so it looks as though the move will be somewhere around the 17th. That's still 7 weeks away :( The gap will close a bit as there's still paperwork to complete and we haven't had our mortgage offer yet :eek: Further information was required as the property has agricultural land attached... a small paddock :rotfl: 7 weeks feels like a long time but I know it will pass quickly. Plus it gives us another pay day which means a final chunky amount towards the move.

    My FB and Bay of E sales have bombed :( but we have discovered another high value item in the attic which might generate some funds.

    Other than that it's a case of keeping up our routine MS efforts and riding the storm :rotfl: There has been thunder here this morning so I hope it's not a portent of things to come :eek:

    Hope you're Bank Holiday weekend is a good one

    Fortune x
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Seven weeks is not long. The storm has passed Fortune. Blue skies ahead :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,601 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ^^ Agreed. Easter was 6 weeks ago - seems like yesterday, and I was actually looking at a picture taken on Easter Sunday this week - I remember the weather was lousy (the weekend before had been glorious), look where we are now!

    Sounds like you've made every effort to protect yourself from future risk. Hope you're still looking forward to the move, and the way of life that it will offer you in new surroundings.

    Have a good weekend Fortune.

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £94.78/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • We drove past our house quite a few times whilst in the process of buying it to get used to the area, although not such a big distance involved for us. I used google street view too, although sometime quite old views. I'm sure the time will go quickly with all the extra organising there is to do. Especially if you keep finding treasures to sell!
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
    edited 28 May 2017 at 4:16PM
    Seven weeks will fly by and just try and remember wobbles are normal - moving house is one of the top stressful life events, but in my experience very worth it.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,109 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 28 May 2017 at 4:15PM
    Thank you everyone for your support - it's very appreciated.

    The shine has been rubbed off our day sadly. We popped into the market town to support a new flower festival a friend has helped to arrange. There were some interesting stalls to visit, talks to hear and lots of entertainment from morris men and bands playing. I had a voucher for a main meal at the local pub so we had a delicious lunch out, a couple of drinks, bumped into some lovely friends and all was well with the world.

    Sadly we also bumped into a toxic person. She's someone who professes to be a friend but delights in gossip and schadenfreude. She asked lots of questions about the move, particularly our buyers, and I got the impression that she knew all of the answers anyway and was just looking for an opening to deliver bad news. Sure enough, she has heard that Mrs Buyer is on a final warning at work. Not something she should know but she does have connections with the employer. She was very happy to let us know :mad:

    She may be wrong of course but she rarely is. And we know Mrs Buyer was planning to give up work immediately to start a family so she may not be on their mortgage application at all. If she does lose her job they may not tell their lender (although of course they should). Whatever the situation is, it's another thing for us to worry about just when we thought we could stop worrying for a bit.

    I have two 'friends' who fall into the toxic category. I noticed that they had started to become quite bitter and resentful a couple of years ago, particularly with friends they perceived were doing well. I've been appalled by some of their behaviour towards others and I have suffered as a result too. Mr F and I have been withdrawing from their company for a long time now, however, we have had to keep the relationships going to a certain extent because it's a small community here and our paths are always going to cross.

    Their response to the move is the last straw though. Neither of them are happy for us and I can see they are hoping that something will go wrong. Who does that! We had no intention of inviting them to Shropshire after the move but I didn't think I could be as unkind to cut them off on social media. Well I can and I will. I'm not going to keep those sorts of people in my life. As soon as we move I am pressing 'Delete' and all trace of them will disappear from my life ;)

    There is also good news today guys - I am not entirely doom and gloom. Mr F got paid early because of the Bank Holiday and there was a little more in his pay packet than we were expecting. It's enough to offset some additional costs we've had with the house move so I think karma is alive and well.

    I will be leaving karma to deal with the toxic friends as I'm not going to waste any more time on them... ever :D

    And there's still one more day to the weekend. Mr F is going to take his pushbike out for a spin and DC is taking me out to lunch :) So balance is restored :)

    Have a great weekend guys

    Fortune x
  • VintageHistorian
    VintageHistorian Posts: 1,003 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    I've cut plenty of people out of my life via social media in the past, and frankly I find it quite easy. Removing toxic people is their problem, not yours, and if that means they end up with a sum total of 5 people on Facebook and no one talking to them in the street, then that's their problem.

    I wouldn't worry too much about what this woman told you. She might have a connection to your buyer's company, but any good HR person wouldn't give out that much detail! She's probably just been told off for being late a few times in the past and Toxic Person has bumped that up to "Final Warning" just to upset you. With a house that she loves in sight, this woman is going to be on her absolute best behaviour to make sure nothing jeapordises the purchase, I know I would be!

    Enjoy the rest of the weekend and look forward to planning your move to your new home, and never seeing those horrid people in the street again!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • Life's too short to worry about people like that. Just stay focused on what you want and leave worrying about employment to your buyers. It's highly unlikely that a workplace departure could be forced within seven weeks anyway. Plus, most final warnings have a finite period so every day that passes makes a dismissal less likely.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,601 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fortune - think about how the day would have panned out had you not bumped into 'Toxic' person. How you would feel had you not been 'told' this bit of gossip?

    You would have had a wonderful day, supporting a friend who has been involved in the creation of a spiffing sounding event - that has probably seen alot of people work VERY hard to pull off - you've enjoyed the sounds, sights and smells, and even remembered a voucher for your lunch......:D

    The 'Toxic' person (I want to use a 3 letter word, but better not....) is possibly 'over egging' the detail - even if she does have connections with the employer. Don't some people like to make it seem like they know something that you don't? And buyer may well have issues at work - but does 'Toxic' person also know every last single detail of their finances? Of any mortgage (or other financial) application they may have made? I doubt very much that they do.

    And bear in mind also, you know something that 'Toxic' person doesn't - you had a great deal of interest in the house, and it is entirely saleable. The buyers will know this, and will probably pull out all the stops to make it 'theirs'. How they do that is their affair. Mortgage, bank of mum & dad, credit cards - it matters not, as long as it's legal...... ;)

    Now, please, don't let toxicity spoil what sounds to have been a great day. 'Toxic' ain't actually wielding any influence over your sale, however important they 'think' they are........;) What will be will be, and at no point are they a part of that :kisses3:

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £94.78/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,109 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thank you guys - you are absolutely right.

    There's nothing we can do about the situation so we'll just keep moving forward and hope for the best.

    I have figured out where Toxic got her information from and the source would have access to that information - but how unprofessional of them to share it!

    Whether we sell to our existing buyers or someone else, buy the property we're going for now or another, we will be moving to Shropshire and we will be living in our dream home. And I think that will be the best response to the Toxics.

    Thank you again for the support - it's very appreciated.

    Fortune x
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